I. Introduction

This Nordstrom Bank Online Banking governs the Online Banking services provided by Nordstrom Bank as described in this Agreement. These services permit Nordstrom Bank certificate of deposit customers to perform a limited number of banking functions, as further described under Section III "Using the Services" through the use of a personal computer (collectively, "Online Banking Services"). As used in this Agreement the words "we," "our," and "us" mean Nordstrom Bank and the words "you" and "your" mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the linked certificate of deposit account(s).

When you use any of the Online Banking Services described in this Agreement, or authorize others to use them, you agree to the terms and conditions of the entire Agreement. You hereby agree to our collection, use, and sharing of information about your account(s) as provided in our Privacy Policy, which is included in your Customer Agreements and Disclosure Statements.

The terms in this Agreement are in addition to (a) the terms of any deposit account agreements you have with us, including your signature card, the packet containing the terms of your account, the accompanying schedules, and any change of terms notices (together, the "Deposit Agreements").

II. Access To Your Account

Equipment Requirements. You must have a personal computer equipped with a modem and Windows 7 or later versions or a Mac operating system; an internet connection with an Internet Service Provider (ISP) equipped with 128-bit encryption and the ability to allow email attachments up to one (1) MB; an electronic mail message ("email") address; and, in order to print or download these disclosures, a printer connected to your personal computer or sufficient hard-drive space to save the disclosures.

Note: If you access an Online Banking Service through PFM software, or another indirect service, all of the Online Banking Services described in this Agreement may not be available. To access all of the Online Banking Services and features offered by us, sign in directly through our web site at www.nordstrombanking.com.

Registration. To initiate the registration process for Online Banking, you will need to click the "Register" button and complete the registration questionnaire, which will include setting your User ID and password and providing us with your email address. Once you have completed the Online Banking registration process, you will be notified via email confirming our activation of and your acceptance to Online Banking.

Password. We recommended that you change your password regularly. For security purposes, it is recommended that you memorize your chosen password and do not write it down. You are responsible for keeping your password and your linked account information confidential.

Contact by Nordstrom Bank. No Nordstrom Bank employee, nor any company associated with the Online Banking Services offered under this Agreement, will contact you via email or phone requesting your User ID or password. If you are contacted by anyone requesting this information, please contact us immediately.

Business Days. For the purposes of these disclosures, our business days are Monday through Friday, excluding Saturdays, Sundays and federal holidays.

Lost/Stolen User ID/Password. Tell us AT ONCE if you believe your User ID or password has been lost or stolen and immediately change your User ID and/or password by logging into your account and following the instructions to change your User ID and/or password. You may also telephone Nordstrom Bank toll free at 1-866-862-1149 to inform us of a lost/stolen User ID or password.

Third Parties. We may disclose information to third parties about your account:

Where it is necessary to investigate or resolve a problem related to your certificate of deposit account; or

In order to verify the existence and condition of your account for a third party; or

In order to comply with government agency or court orders; or

If you give us written permission; or

As otherwise provided in our Privacy Policy.

III. Using The Services

This website is a non-transactional website. You may use Online Banking to:

Send us secure online email messages and questions regarding your Online Banking Service including notifying us of a change of address, phone number, and email address.

IV. Miscellaneous Terms

Monthly Service Charges and Other Fees.

There is no monthly service charge for the Online Banking services.

Other fees have been separately disclosed to you in connection with your linked account. Please consult your Deposit Agreements to see if your certificate of deposit account(s) are subject to these fees.

Termination. Your access to Online Banking shall remain in effect until terminated by you or us. If you close your linked certificate of deposit account, or if it is no longer linked to an Online Banking Service, your access to Online Banking will end.

You may cancel either Online Banking at any time by notifying us of your intent to cancel in writing at Nordstrom Bank, PO. Box 13539, Scottsdale, AZ 85267, through Online Banking secure mail or by calling us toll free at 1-866-862-1149. Such cancellation does not terminate your Nordstrom Bank certificates of deposit(s). We may terminate your participation in Online Banking for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obliged to do so.

Joint or Multi-Party Accounts. When Online Banking is linked to one or more joint or multi party certificate of deposit accounts, we may act on the verbal, written, or electronic instructions of any authorized signer. Each authorized signer may separately enroll in Online Banking and each authorized signer has the same right of access to any linked certificate of deposit account.

Change in Terms. We may change any term of this Agreement at any time and will send you reasonable notice in writing or give you notice by any other method permitted by law. Your continued use of any of the Online Banking Services offered under this Agreement following the effective date of any change, addition or deletion to this Agreement will show your consent to that change, addition, or deletion.

External email Address and Change in email Address. With the Online Banking Services offered under this Agreement, we may send messages to your external email address. We cannot act on instructions sent by you from an external email address. You should use Online Banking secure mail to send instructions to Nordstrom Bank. If for any reason your external email address changes or becomes disabled, you agree to promptly notify Nordstrom Bank of your new email address. You may notify us of any changes to your external email address through the Customer Service tab within Online Banking.

Reservation of Rights. We reserve the right to waive the enforcement of any of the terms of this Agreement, not to assess part or all of any fee or other amounts or not to exercise any other of our rights pursuant to this Agreement and, by doing so, we will not have waived our right to assess such fee or other amounts or exercise other rights pursuant to this Agreement in the future.

Governing Law. This Agreement is governed by and construed in accordance with the laws of the United States. To the extent state law applies to this Agreement, this Agreement will be governed by the laws of Arizona. You agree that if a dispute arises and suit is filed against Nordstrom Bank, service of process on Nordstrom Bank may be made only at Nordstrom Bank's main office in Scottsdale, Arizona. If any part of this Agreement becomes unenforceable, it will not make any other part of this Agreement unenforceable.

V. Electronic Disclosure and Consent

Through your consent below, you acknowledge and agree that we may provide you with all disclosures, notices and other communications, about the Online Banking Services offered hereunder, including this Agreement and any future change in terms, in electronic form. We may provide all future notices by posting them on the Online Banking Sign In-Page for a period of at least 90 days. We will alert you of such posting by sending notice to you at the email address you have provided. If for any reason your external email address changes or becomes disabled, you agree to promptly notify Nordstrom Bank of your new email address. You may notify us of any changes to your external email address through the Customer Service tab within Online Banking. You may download or print such notices from your computer if you have the hardware and software described in this Agreement. Alternatively, we may send such notices directly to you at the email address you have provided.

At your request, we will provide you with a paper copy of any of the above documents without any fee.

You have the right to withdraw this consent, but if you do, we will immediately terminate your participation in Online Banking. You may obtain copies of any documents we provided electronically or withdraw your consent by calling us toll free at 1-866-862-1149.